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    • Even though I’ve been paying them for this long?    I know you’re going to say something along the lines of “because they’re a bunch of muppets” but why are they doing this as if I’ve not been paying?   dx - I took the name and address out for privacy...
    • you didn't pay lidls the speculative invoice charge of £45.   the only connection to them is their head office signed their region up to have their local stores car parks managed by the scammers because they had been duped into thinking people that abuse their car parks cost the region xxx in lost shopping revenue because another shopper could have used it.   they never see any of the money these bandits gleam from people paying a speculative invoice off ever and annually get ripped off by paying the fleecers £10'000 each year to give them permission to manage their carparks. anyone that pays the money goes directly into the parking fleecers pockets.   however i understand you are new and green but part of a forum is also self help which relates to my comment about where did you ever get the idea to pay them from...certainly not here.   so lidls wont be doing and can't do anything further, they certain wont be interested in instructing their fleecers to refund you and can't and most certainly won't refund you themselves.   go do a chargeback   dx              
    • OK,  I have not claimed anyone told us to pay in this forum.   As grown up adults we made this decision. I am sharing our experience in case it benefits anyone.    Our approach to this is if Lidl didn't help at the end we would take our shopping elsewhere and the so called reduced charge of £45 paid would be the end of the story, even if is unfair.    As I mentioned Lidl cust. service already emailed us to confirm that they have contacted Athena to cancel the charge, I'll first follow up with Lidl. If not resolved will resort to chargeback.  
    • no one ever said PAY THEM, you never ever do that.   if you paid by debit card go get it back by a chargeback to your issuing bank.      
    • The head of the Confederation of British Industry urges a "spirit of compromise" as trade talks resume. View the full article
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
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      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
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      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
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      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
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can someone please confirm to me how far back i can claim for being overcharged by my landlord, on the annual insurance premium on my leasehold flat?

I have discovered that they have been overcharging me 4% of the premium since 1994. this equates to almost 5k

Thanks.

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6yrs but in court you could try for everything

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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I think you need to tell us the circumstances of the overcharging. If this amounts to a misrepresentation then I would say that you probably have six years from the date that the misrepresentation could reasonably have been discovered.

 

You tell us incidentally that you may have been overcharged £5000 – but you may be able to add interest and certainly if you have to bring a court action you will be able to add on 8 percent per annum.

 

Of course it is a rising total so you will have to go through the business of calculating what you might gain if you bring a legal action.

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https://www.legislation.gov.uk/ukpga/1980/58/part/II/crossheading/fraud-concealment-and-mistake s.32.1.©

 

This probably applies although I haven't looked at it closely and I don't know the circumstances of your overcharging

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Since 1994 I have been charged 40% of the building insurance premium, last year when disputing something else i obtained my lease and noticed my contribution to the building insurance was in fact 36%. i have asked for reimbursement, they refused.

thanks

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Who is it who has refused? Can you describe the building that you are in. Who are the other contributors and have they also been overcharged or does the sum of all the contributions add up to 100% – in other words have they paid less then their proper proportion?

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the strange this is, it add up to 104% only i have been over paying its a block of six small flats above two shops.

there are other overcharging issues, but the other leaseholders dont want to know, as they are BTLs Its the freeholder / MAN co who are the same,

thanks

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While don't you tell us about the other overcharging issues as well please

 

It would be handy if you tell us the whole story and we don't have to drag it out from you bit by bit

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its a long long story,

 

the FH never maintained out building, gutters collapsed, communal windows rotted, external pipes leaked and were blocked, we had leaks, among many other issues the FH dragged out all correspondence.

 

The FH earns commission on the building insurance, on top of 4.5k pa man fee, and other admin fees he chooses to charge.

 

we were very lucky to have a grant issued by the lottery fund to revamp the front external part of the building this cost leaseholders 5% of the cost to paid to the council.

 

This put the external parts back in a good condition, the FH issued a 1k bill on top of the management fees for his non existence roll in this.

 

I have brought all the issues up with other leaseholders to no avail.

I fact i want to either claim the overcharged payments back and move.

 

THts if i can claim the whole amount, or i might stay for a couple of years and deduct the amount from future charges and the go.

 

hence my question

Edited by dx100uk
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Okay thanks.

 

We'll stick to the insurance. It seems to me that you have paid the money under a mistake and therefore you are in a good position to say that you are not out of time to bring a claim. If you could show that the freeholder knew of the mistake then you would be in an even stronger position. However, an innocent mistake will be fine.

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I suppose that they would argue that you could reasonably have discovered the mistake much earlier. They might argue that a prudent person would have checked the details of their lease right at the beginning. If the court accepted that then you would be out of time and the best you could recover would be the last six years.

 

The thing to do course is to argue it and hope that the judge sides with you. Is the freeholder a large commercial freeholder or an Also, has the error been corrected and are you now paying the correct level of insurance contribution?individual?

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Who said you HAD to accept, evey year, their building insurance??

When you are quite free to insure it yourself and not pay them at all??

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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A tenant is not required or allowed to take out building insurance...its the LL responsibility...hes the legal owner.

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rip of merchants..:lol:

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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